[Resolved]  ICICI Personal Loan — ICICI Bank : Worst in its policies and operations

To the corresponing,

I keep getting calls on my mobile and messages on ATM display
that I've a pre-approved personal loan and no income proof is
required. I've called your bank executives and placed a request
for a personal loan when i need it. Now my monthly net salary
would be around 55, 000+. And i'm paying total EMIs per month
of 25, 000. I've just applied for 1.5 lakhs. My application is
rejected itseems saying that my past repayment track is not good.
I've availed a personal loan from ICICI bank in the past and
completed its payments without any check bounces. Like wise I
also have loans from HSBC and HDFC and has been paying EMIs
regulargly on time. I remembered once because of some delay that
too because of holidays the check deposited in one of my accounts
where there was an EMI ECS debit got delayed in clearing for one
day itself. I've been staying at the present and premanent address
for the past 12 years. And you people give loans and credit cards
to guys who cheat you and elope to the US or other countries.
I've applied for a personal when i badly need it giving you all
the proofs. And the amount I requested you as a personal loan
is not even 2 times of my monthly gross salary. Do you feel/think
that i'll run away with this tiny amount leaving my family
properties, job, career etc., Do u know how much time i wasted in
preparing the documents to apply this personal loan.
Loan application reference number :[protected]Hyderabad)

SHAME ON YOUR ORGANIZATION.

Regards
Upendranath
[protected]